Xu Lei, CEO of JD, announced his retirement, and I finally understood Guo Yu, 28, who left from ByteDance

Tech 2023-05-16 14:09:45 Source: Network

#Headline Creation Challenge#Recently, the news of JD CEO Xu Lei's sudden announcement of retirement has become a hot topic on the internet.While many netizens were discussing the reasons behind it, some noticed that Xu Lei is only 49 years old this year

#Headline Creation Challenge#

Recently, the news of JD CEO Xu Lei's sudden announcement of retirement has become a hot topic on the internet.

While many netizens were discussing the reasons behind it, some noticed that Xu Lei is only 49 years old this year.

Many people exclaim, "Retired so young

In fact, in places we cannot see, more and more young people have joined the retirement team.

Take a look at the two0twotwo "China Elderly Care Prospects Survey Report" and you may be surprised.

The average age at which people start saving for retirement has actually significantly decreased, from three8 years old to three5 years old.

This also means that as the retirement age gradually increases, there are more young people under the age of three0 who already have plans to retire.

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Why do more and more young people want to retire early?

Before the May Day holiday, many people started the play mode early, such as Zibo barbecue, Mount Taishan mountaintop, Datang never sleeps city

But the social animals who were still working were so greedy that they shouted, "I don't want to go to this broken class for a day anymore

In front of us is a helpless life, outside the cage is the ideal and beauty.

Li Hao from Weifang, Shandong, ended his life as a drifter in the north at the age of two9 and came to Dali to enjoy retirement.

You can't imagine that his idea of retirement was already in place when he first graduated.

At that time, he entered a state-owned bank in Beijing to work according to his parents' expectations.

Although the job is easy and the pay is good, every day after completing the same tasks, it's just listening to colleagues gossiping.

He complained to his friend roast, who jokingly said, "Just take one step and retire."

Unexpectedly, Li Hao really began to calculate.

So in order to save enough money for retirement, he resigned from his stable job in a state-owned enterprise and entered a big internet company to earn a high salary.

In order to achieve his goals as soon as possible, he worked more than ten hours a day, becoming the "rolling king" in the eyes of his colleagues.

He said, "I work hard so that I can stop working in the future

In just over four years, he saved up to seven figures and finally gave up everything in Beijing to go to his dream city of Dali.

Nowadays, society is becoming more and more introverted. When we are completely wrapped up, we will yearn for poetry and distant places even more.

The dissatisfaction with the current situation is the biggest motivation for people to retire early.

However, some people may not necessarily want to escape the current situation, but rather have dreams that they want to achieve more.

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Guo Yu was once a top student at Jinan University, studying administrative management, but only discovered after enrollment that he did not like this major.

Later, his relatives gave him a laptop, and he unexpectedly discovered his interest in code, so he started self-learning programming.

After graduation, Guo Yu successfully entered Alipay, Encyclopedia of Embarrassment and ByteDance, and became a senior technical expert with his own efforts, worth more than 100 million yuan.

This job has enabled him to achieve financial freedom, given him the courage to retire early, and given him the capital to pursue his dreams.

When it comes to the reason for retirement, he said, "My dream has always been to write and to become a writer

Although interests can earn a living, dreams are the pursuit.

Have you ever had the idea that even if you have a decent job and a decent income, you always hope to save enough money to travel around the world, and then find a favorite city to settle in, reading books and drinking tea every day.

Modern people have long seen it through, unlike their ancestors who insisted on an iron rice bowl until old age.

We hope to seize the opportunity to do what we want while still young and healthy, and leaving no regrets is the principle of life.

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Those who talk about early retirement,

Actually, it's not really lying flat

The ideal is full, but the reality is very skinny.

In fact, this is not only true of work, but also of retirement.

When writer Wang Xin was working on a website before, a colleague suddenly started a three0 day countdown on MSN's signature.

Until the day when the signature was changed to "0", the colleague finally announced, "I resigned

It turned out that when he encountered demolition in his hometown, that day was the date when the demolition payment was received.

He has planned to resign as soon as the money arrives, and then retire to go home.

Everyone envied him immensely, and his days were as carefree and luxurious as others had imagined.

Luxury cars, watches, big houses, and even travel around the world, you have to stay at the most expensive hotel wherever you go.

A few years later, one day, he suddenly sent a message to Wang Xin on WeChat: "Do you want to buy something

Originally, he had already joined a trading company as a salesperson and needed to expand his business.

Wang Xin was very puzzled as to why this demolition upstart did not continue to enjoy life and instead worked hard in sales.

Before I could ask, the other party explained to me, "There's not much money left for the demolition. It's boring to stay here, so I came out to work again

The matter of lying flat after retirement sounds really relaxed and joyful, and only those who have experienced it know how it really works.

Firstly, ordinary people do not have enough savings and are simply unable to retire.

Even with enough money, if one retires just to not work, those low-level pleasures will sooner or later be lost to being idle.

Actually, it's not really lying flat

Do you remember not long ago, a Shanghai 80s DINK couple went on a hot search.

Both were unemployed during the pandemic and were unable to find new jobs. They looked at the three million deposit in their bank card and made the decision to retire.

They say they want to 'completely lie flat', which sounds cool, but in action, it's not like that.

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Not only that, some people have found that they post their retirement life on their self media accounts and keep it updated steadily.

This account has attracted tens of thousands of followers due to hot searches, and if operated diligently, it will also be a significant income in the future.

Don't think that retirement means you can do nothing. Those who advocate lying flat are only willing to show off their leisure, but they don't even mention the caution behind making money.

Their so-called lying flat is just not working in the workplace, rather than simply eating, drinking, and enjoying themselves. The pace of making money has never stopped.

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Correct posture for early retirement

There was once a hot search for 'How much savings should I have for early retirement', and the following highly praised comment has struck many people with inspiration:

What I am most afraid of is actually early retirement, and facing the unrestrained life from then on, I will quickly feel anxious and bored

This is not a speculation, but a fact that many people who fantasize about early retirement are unwilling to consider.

Budd Robinson was once the CFO of a large software company, and after working on Wall Street for over a decade, he suddenly announced his retirement.

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Unexpectedly, life after retirement is indeed easy, but not very comfortable.

After exercising every morning, he has almost nothing to do for the rest of the time and can only stare at the rusty old car in the garage in a daze.

When Robertson realized that such days were still decades away, his heart was not relaxed, but frightened.

Retirement without planning is like a car without a steering wheel driving into a misty forest, gradually falling into confusion after losing direction.

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Learn to leverage to become rich

The earlier you retire, the faster you need to accumulate wealth, so relying solely on dead wages is difficult to achieve.

In the book 'Poor Dad Rich Dad', the poor dad works diligently but remains mediocre; Rich dad has less workload, but his wealth is rolling in.

The reason for this is that wealthy fathers use the principle of leverage to become rich.

He knows how to use tools or the power of others to complete work, in order to achieve the effect of pushing a thousand pounds, rather than blindly acting recklessly.

If our income is limited, or if we have moonlight or even debt, then we need to change our mindset.

Either use tools or techniques to improve work efficiency and give oneself more time to engage in sideline work. Either learn new skills and seek new opportunities.

Sometimes a small change can leverage more wealth and make early retirement possible.

Make good asset and consumption planning

How much money do we need to save before we can consider retirement?

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But the premise of this rule is that the annual return on deposits must also reach 4%, so that the annual income is sufficient to cover the total expenditure, in order to have peace of mind.

Of course, this is only an ideal state, after all, such a high-yield financial management is bound to be accompanied by high risks.

And our consumption habits will also change over time, coupled with the impact of inflation, the specific amount depends on the situation.

But at least this rule provides a bottom line, allowing us to have a reference goal and also limit future expenses, so as not to be too extravagant and cause a financial collapse.

Make good living plans

Thomas Leonard, the father of retired coaches, discovered through years of work experience that for retired people, it is more important to develop a life plan.

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In the first few months, she persisted in her daily routine and exercised, but it wasn't long before she ran out of enthusiasm.

The newly purchased fitness equipment has become a clothes hanger, and the newly acquired sportswear has not been worn for a day before being shelved.

The whole person's mental state quickly relaxed, and all she wanted to do every day was pray that the stock she bought would rise in price.

After a long time, she couldn't bear it anymore and began to dislike the life in front of her: "There's nothing to do every day, it's too difficult

A flat life may seem beautiful but it is actually boring. A brief relaxation can be pleasant, but in the long run, it can actually diminish our passion for life.

So, while setting retirement goals, don't forget to develop a life plan after retirement.

Give yourself some upward motivation, such as learning new knowledge; Or give yourself some busy goals, such as starting a small business.

Only by alienating daily business trips and adhering to self-discipline can we expect a longer future.

Write at the end

Huang Xiaoyi, the Managing Director of Fidelity International in China, once said:

'Retirement' only represents the beginning of a new stage of life, and pension investment should cover the entire life cycle

Retirement is not the ultimate goal, but the beginning of another life.

Lying flat does not mean aimlessly following one's inclinations, but rather accumulating enough strength to live a purposeful and planned life.

Continuously adding increment to life is the long-term solution to lying flat.

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